>
> What Richard is saying is that using a VAN for RECEIVING payment
> information from your Bank is definitely secure. This is just remittance
> information being sent by the Bank; the payment has already been made.
> But when Richard says "Our customers use their VANs to send 820s with ACH
> information and remittance advices...", he may not be aware of the
> security methods that are in place between the Customer and their Bank.
> SENDING payments is where the problem of VAN security is most prominent.
>
My comment was meant to convey the sense that if they use their VANs to send
ACH 820s, that they probably view these connections as reasonably secure or
have taken steps to make them so. Although I don't have direct knowledge
of their security methods, not really needing to know this information.
:-{)
I must amplify that the 820 remittance advice that comes from our bank does
include the deposit information such as ACH routing numbers and customer
account numbers. In that respect, they're acting more as a relay than
anything else. It also simplifies things, since all the customers send
their 820s into the bank in various versions and all we need to do is have
the single 820 version coded to accept the transaction from the bank.
We don't use this information, obviously, in a cash application environment,
but it does exist.
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